Your program is the brand families trust. Theodore stays in the background.
Custom domain with SSL. Your logo, colors, and typography across family, vendor, and administrative experiences. Families and vendors see your brand, not ours.
State Agencies
Theodore is a purpose-built, white-labeled education funding platform for K–12 — configured to the exact legislation or rules of your ESA program. Program rules are applied at the point of purchase, while families, schools, and education providers get a modern, mobile-first experience.
ESA programs have to apply complex eligibility and spending rules — and feel modern and simple to the families, schools, and education providers who use them. Both responsibilities are real. Both have consequences. Theodore was built so you don't have to choose between them.
Theodore wasn't adapted from a generic spend-management tool. It's a purpose-built, white-labeled education funding platform for K–12 — built for the nonprofits and state agencies that administer education funding programs, with program rules, family experience, and reporting together on one platform.
Fund custody with Bangor Savings Bank, Member FDIC
SOC 2 Type II, annually audited
Configured to the exact rules of every program
The exact legislation or rules of your program — eligibility, allowable use, vendor requirements — powered by the Theodore Rule Engine.
Custom domain with SSL, your logo, your colors. Families and vendors see your brand front and center — not ours.
Real-time dashboards for your team. Program rules applied at the point of purchase. Audit-ready reporting with transaction-level audit trails.
What Theodore does
inputs
Configured to your program's eligibility rules, not a template. Mobile-first applications with Persona-powered identity and income verification, AMI thresholds, and document review. Final eligibility determinations rest with your agency.
Wallets & Disbursement
Per-student wallets with real-time balances. Four disbursement paths — direct ACH, Pay Now invoice payments, out-of-pocket reimbursement, and TheoPay™ smart virtual debit cards — so each kind of purchase has the right path.
Rule Engine
TheoPay™ checks every SKU in the cart against your program's configured rules in real time. Non-compliant items are declined at checkout, and every decision is logged with full audit context.
Reporting
Real-time dashboards for your team. Export-ready data for legislative and audit reporting. Built around the questions oversight bodies actually ask.
Two Ways to Deploy Theodore
Your agency runs the program. Theodore is the software — configured to the exact legislation or rules of your program, deployed to your custom domain, and operated by your staff.
Our U.S.-based team partners on implementation and ongoing operations — configuration, onboarding, staff training, program operations, and customer support. Your brand stays front and center, and your program staff own final program decisions.
Your team doesn't get replaced. It gets equipped.
Custom domain with SSL. Your logo, colors, and typography across family, vendor, and administrative experiences. Families and vendors see your brand, not ours.
…when rules are checked after the fact instead of at the point of purchase.
…when families can't figure out how to use the program and your team spends its day on the phone.
…when transaction records can't be reconstructed on demand and oversight questions pile up.
Real-time dashboards and export-ready data, built around the questions oversight bodies actually ask.
Mobile-first applications, real-time wallet balances, and open-marketplace shopping through TheoPay™ — families always know what's available and what's been spent.
Transaction-level audit trails and real-time program dashboards — with a data structure built for audit response.
A 30-minute walkthrough — how the exact legislation or rules of your program would be configured, what families would see, and how reporting would flow to your oversight bodies.